Internet Banking Access User
Agreement for Nebraska State Bank & Trust Co. The
agreement includes disclaimers of liability and other matters of interest
to users. By pressing the "I Agree" button, you agree to the terms and conditions of the User
Agreement which includes a consent to future amendments of the Agreement.
By pressing "I Disagree", you will
be returned to the initial log on screen.

If you wish to have a hardcopy of this agreement, either print a copy
now, or call NSB&T at 1-308-872-2466.

TABLE OF CONTENTS

WHAT THIS AGREEMENT
COVERS

Terms Used in this Agreement

Accepting The Agreement

Changes in Terms/Fees

Maintaining Your Accounts

Access to NSB eBank

User Code and Password

Electronic Mail

Account Statements

NSB eBank ONLINE BANKING SERVICE

Available Services

Linked Accounts

Business Days

NSB ePay ONLINE BANKING SERVICE

Bill Payments

Payee Information

Scheduling Payments

Stop Or Change Instructions

NSB ePay Accounts Accessible By More Than One
Person

ELECTRONIC FUNDS TRANSFERS

Your Liability

Telephone Number and Address

OUR LIABILITY

Your indemnification

GENERAL PROVISIONS

Termination

Assignment

Notices

Disclosure of Information

Authorization To Obtain Information

FEES

NSB eBank

NSB ePay

WHAT THIS AGREEMENT COVERS

This Internet Banking Agreement between you and Nebraska State
Bank & Trust Co. governs your use of NSB eBank, an
electronic service that permits NSB&T customers to access personal
financial services through the use of the World Wide Web. Accounts and
services provided by NSB&T that you access through NSB
eBank are also governed by other agreements with you.

This Agreement governs your use of NSB eBank and NSB
ePay. In this Agreement we will use the term " NSB eBank
" to refer to both NSB eBank and NSB ePay.
Additional services may be available in the future.

In addition to this Agreement, our Privacy Policy also applies to
your Accounts. NSB eBank

You may use NSB eBank to access your NSB&T Accounts
through the Internet. Currently, you can access your savings, checking
and loan accounts. You may also use NSB eBank to access
our bill payment service NSB ePay through the Internet.

Terms Used in this Agreement

"We," "us,", "our", and " NSB&T " refer to the Nebraska State
Bank & Trust Co., located in Broken Bow, Nebraska. "You" or "your"
refers to the owner of a Nebraska State Bank & Trust Co. consumer
account or your authorized representative;

"Consumer" refers to a natural person who owns a NSB&T Account
with respect to which an internet banking service is requested
primarily for personal, family or household purposes;

"Authorized representative" refers to a person with authority of
any kind with respect to an NSB eBank Account or a
NSB ePay Transaction.

Accepting the Agreement

You understand that
by using NSB eBank you have agreed to the terms and
conditions of this Agreement and that no signature by you is required on
this Agreement. You agree to use NSB eBank solely as
provided in this Agreement and the applicable online instructions. When
any transfer, payment or online service generates items to be charged to
your NSB&T Account, you agree that we may debit your Account without
requiring your signature on the item and without prior notice to
you.

We may, from time to time, introduce new NSB eBank
services. When this happens, we will update the Website to include them.
By using any NSB eBank service, you agree to be bound by
the terms contained in this Agreement at that time.

Changes in Terms/Fees

We may change the
NSB eBank services and the terms, including fees, set
forth in this Agreement at any time. You will be notified of any such
change as required by applicable law, either by mail or by an electronic
message. You understand that by using NSB eBank after a
change becomes effective, you have agreed to it.

Maintaining Your Accounts

You agree to
properly maintain your NSB&T Accounts, to comply with the rules
governing your NSB&T Accounts, and to pay any fees associated with
the use or maintenance of your NSB&T Accounts. Any issue relating to
a NSB&T Account or service with NSB&T or any NSB&T affiliate
which you access through NSB eBank shall be governed by
the law(s) specified in the agreement for that NSB&T Account or
service.

Your NSB&T Accounts and loans can be viewed and accessed in
NSB eBank. The Terms and Conditions of your Account
Agreements and your loan agreements will govern, except where it is
noted in this Agreement. This Agreement will control if there is a
conflict with your other agreements and this Agreement for NSB
eBank Services. In addition, each NSB&T Account and
NSB eBank service is subject to the following:

Terms or instructions appearing on a screen when using NSB
eBank and NSB ePay;

NSB&T's rules, procedures and policies applicable to NSB&T
Accounts;

Rules and regulations of any funds transfer system used in
connection with NSB eBank and NSB ePay;
and

Applicable state and federal laws and regulations.

Access to NSB eBank

You may access
NSB eBank and your NSB&T Accounts through NSB
eBank to check balances, transfer funds, view transaction
history, and to pay bills. To access your NSB&T Accounts or use
NSB eBank you must have a USER CODE and a
PASSWORD and the required hardware and software. You are solely
responsible for having the required hardware and software and for
securing an Internet service provider. Subject to the terms of this
Agreement, you will generally be able to access your Accounts at
WWW.NESB.NET Internet site seven days a
week, 24 hours a day. A transfer requested through NSB
eBank before the transfer cutoff time on a business day will
generally be posted to your NSB&T Account the same day. All
transfers requested after the posted transfer cutoff time on a business
day or on a day that is not a business day, will be posted on the next
business day. Every day is a business day except Saturdays, Sundays, and
banking holidays.

User Code and Password

You will be given
an ACCESS I.D and a temporary PASSWORD that will give you access to
NSB eBank. During your first logon session, you are
required to change both your User Code and Password. Going forward, you
can change your password online at any time for NSB eBank.
Your online password is case sensitive and must be at least 6 to 12
characters, using at least one alpha and one numeric characters. We
recommend that you change your password regularly.

We are entitled to act on instructions received under your PASSWORD.
For security purposes, we recommend that you memorize the PASSWORD and
do not write it down. You are responsible for keeping your PASSWORD and
USER CODE confidential. NSB&T will not know your password, so if you
forget it a new password will need to be assigned by NSB&T.

Electronic Mail (E-mail)

You can communicate
with us via e-mail at nsb@nesb.net . Please remember, however,
that we will not immediately receive an electronic message sent by you.
If you need to contact us immediately, please call 1-308-872-2466. No
action will be taken on any electronic message you send to us until we
actually receive your message and have a reasonable opportunity to act
on it. You cannot use e-mail to make a bill payment, account balance
inquiry or funds transfer. You cannot use e-mail to cancel a transfer,
loan payment or bill payment. Never send us your NSB eBank
USER CODE or your PASSWORD or other sensitive NSB&T Account
information via e-mail.

Account Statements

All of your daily
transactions, payments, and funds transfers will appear on NSB
eBank and on your Account statement(s). You can download your
statement into your Quicken, Quickbooks or Money manager software. You
can access transactional information for your current and previous bank
statement. You generally have up to 30 days after the last day of your
previous statement (or 30 days after your previous statement is
prepared) to export the information.

NSB eBank

ONLINE BANKING SERVICES

Available Services

By accessing NSB
eBank, you may obtain balance information, review transaction
history and transfer funds between your NSB&T Accounts. In some
instances, balances and transaction history may only reflect activity
conducted through the close of the previous business day.

Linked Accounts

All your NSB&T Accounts
within an individual NSB&T portfolio will be linked by means of the
Social Security Number of all individual owners or Authorized
Representatives authorized to access those NSB&T Accounts. Linked
NSB&T Accounts will appear together in NSB eBank. Each
owner and Authorized Representative will be able to access, view and
conduct transactions in all of the linked NSB&T Accounts. If you do
not have access to all of the accounts you believe you should, please
contact us.

Business Days

Our business days
("Business Days") are Monday through Friday, except bank holidays.
Although transfers and bill payments are processed by NSB&T on
business days only, you can initiate a transfer or payment through
NSB ePay 24 hours a day, seven days a week, except during
maintenance periods; however, the transfer or bill pay may not be
completed on that day.

ePay ONLINE BANKING SERVICE

Bill PaymentsNSB
ePay allows you to make bill payments through NSB
eBank. You can arrange for the payment of your current,
future and recurring bills from your NSB&T checking account.
Accounts that require two or more signatures or authorizations to
withdraw or transfer funds may not be used as NSB
ePay Account.

There is no limit to the number of payments that may be authorized.
However, only one, one-time payment and one recurring payment may be
sent to each payee on the same day. You may pay almost anyone within the
United States through NSB ePay providing you input
complete and reliable information.

A Payee can be either a Business Payee or a Non-business Payee. A
Business Payee, may, for example, be a business, merchant, or other
professional who provides goods or services to you. A Non-business Payee
is an individual, family member, or friend. The mailing address of any
Payee must be in the United States. You are responsible for ensuring
that you provide us with a correct address. You may not pay alimony,
child support, taxes or other governmental fees or court-directed
payments or make payments to anyone outside the United States through
NSB ePay. By furnishing us with the names of your payees
and their addresses, you authorize us to follow your payment
instructions to these Payees that you provide us.

Payee Information

In addition to your Payee
names and addresses, we will need the account number for each Business
Payee (name, address and account number together are "Payee
Information") to properly credit your payments. Please note that your
Business Payee may require that payments be sent to a specific address;
this mailing address may be different than other addresses that appear
on your invoice or billing statement. You may need to contact the
Business Payee to obtain their payment mailing address.

Payee information is retained in NSB ePay and can be
retrieved by you at any time. Additions, deletions, and changes to Payee
information can be made at any time from your PC, subject to the timing
requirements noted in the Stop or Change Instructions section. Payee
information in NSB ePay is used solely for the purpose of
processing payments from your NSB&T Accounts. Payee information is
subject to NSB&T’s Privacy Policy as described in the Disclosure of
Information section of this Agreement. The date the payment is to be
sent by us, whether electronically or by check, is called the "Date
Check is to be Issued". When we receive a payment instruction (for the
current or a future date), we will make payment to the payee on your
behalf from the funds in your NSB&T Account on the Date Check is to
be Issued.

IMPORTANT: The "Date Check is to be Issued" is NOT when the payment
is due. Be sure to read the instructions on the NSB ePay "Add
Payment" web page for handling information.

We will not be obligated to make a payment unless your NSB&T
Account has sufficient funds to pay the bill on the Date Check is to be
Issued. Funds for ALL bill payments (whether we make these payments
electronically or by check) will be withdrawn from your NSB&T
Account on the scheduled Date Check is to be Issued.

Scheduling Payments

There will be a
delay between the Date Check is to be Issued (the date your
payment is sent) and the date the payee receives that payment. Any
payments made through NSB ePay require sufficient time for
your payee to receive your payment and credit your payment properly. To
avoid incurring finance or other charges, you must schedule your payment
sufficiently in advance of the due date. When you schedule payments, YOU
MUST SCHEDULE RECURRING PAYMENTS AT LEAST FIVE (5) FULL BUSINESS DAYS
PRIOR TO THE DATE THE PAYMENT IS DUE AT YOUR PAYEE. INITIAL PAYMENTS TO
A PAYEE SHOULD BE ISSUED AT LEAST SEVEN (7) FULL BUSINESS DAYS PRIOR TO
THE DUE DATE

Stop or Change InstructionsYou have the
right to stop or change any one-time bill payment. However, you must
cancel the payment by no later than 2:00 PM (Central Time), at least one
(1) business day prior to the day the payment is to be issued by calling
Nebraska State Bank & Trust Co. at 1-308-872-2466. You can also stop
a recurring payment by calling us at 1-308-872-2466 four (4) business
days or more before the Date Check is to be Issued.

NSB eBank Accounts Accessible by More
than One PersonIf your NSB eBank Account is owned
by more than one person or is accessible by one or more authorized
representative, each such owner or authorized representative may
individually access those NSB&T Accounts in NSB eBank.
Each owner or authorized representative needs a unique USER CODE and
PASSWORD. The terms of this Agreement will apply to each person.

ELECTRONIC FUNDS TRANSFERS

NSB eBank enables you to transfer funds to or from
your NSB&T Accounts. The Electronic Funds Transfer Act provides you
with certain rights and responsibilities with respect to certain of
these transfers, called "Electronic Funds Transfers" ("EFT") Your Rights
and Responsibilities are fully described in our Electronic Fund
Transfers disclosures that have been separately provided to you.

Your liability

Tell us AT ONCE if you believe your user code and/or password has
been lost or stolen. Telephoning is the best way of keeping your
possible losses down. You could lose all the money in your account (plus
your maximum overdraft line of credit). If you tell us within two (2)
business days, you can lose no more than $50.00 if someone used your
user code and password without your permission. If you do NOT tell us
within two (2) business days after you learn of the loss or theft of
your user code and/or password, and we can prove that we could have
stopped someone from using your user code and/or password without your
permission if you had told us, you could lose as much as $500.00. Also,
if your statement shows transfers that you did not make, tell us at
once. If you do not tell us within sixty (60) days after the statement
was mailed to you, you may not get back any money lost after the sixty
(60) days if we can prove that we could have stopped someone from taking
the money if you had told us in time. If a good reason (such as a long
trip or a hospital stay) kept you from telling us, we will extend the
time periods. If you believe that your user code and/or password has
been lost or stolen or that someone has transferred money from your
account without your permission, call or write us at the telephone
number or address set forth below.

Telephone Number and Address

Call us
IMMEDIATELY if you believe that your USER CODE or your PASSWORD has been
lost or stolen, or if you believe someone has transferred or may
transfer money from your NSB&T Account without your permission, or
if you suspect any fraudulent activity on your NSB&T Account.

Our
liability to you is limited to the extent stated in any other Account
and/or loan agreements, notices, and disclosures that are separately
provide to you from time to time regarding your NSB&T Accounts
and/or this Agreement. This section explains the complete extent of our
liability to you to only to the extent that it has not been separately
disclosed to you by any of these agreements, notices, or disclosures.

NEITHER NEBRASKA STATE BANK & TRUST CO., NOR ANY OF ITS
DIRECTORS, EMPLOYEES OR AGENTS MAKES ANY REPRESENTATIONS OR WARRANTIES
OF ANY KIND REGARDING THE PERFORMANCE OR QUALITY OF THE NSB eBank
SERVICES OR THE RESULTS THAT MAY BE OBTAINED FROM USING THE NSB
eBank SERVICES. NSB&T SPECIFICALLY DISCLAIMS ANY EXPRESS OR
IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF FITNESS
FOR A PARTICULAR PURPOSE, WARRANTIES OF MERCHANTABILITY OR WARRANTIES
AGAINST INFRINGEMENT.

NEITHER NSB&T, NOR ANY OF ITS DIRECTORS, EMPLOYEES OR AGENTS
SHALL BE LIABLE FOR ANY DAMAGES OR LOSSES, INCLUDING, WITHOUT
LIMITATION, DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR
PUNITIVE DAMAGES, RESULTING FROM OR CAUSED BY THE USE, OR ATTEMPTED USE,
OF THE NSB eBank SERVICE, OR ITS CONTENT, INCLUDING, WITHOUT
LIMITATION, LOSSES RELATED TO: YOUR USE, OR INABILITY TO USE, THE NSB
eBank SERVICE; ANY ERRORS, OMISSIONS OR DEFECTS IN ANY CONTENT;
ANY INTERRUPTIONS OR DELAYS IN TRANSMISSION NOT TO THE NSB eBank
SERVICE; OR COMPUTER VIRUSES RECEIVED BY YOU AS A RESULT OF YOUR USE OF
THE NSB eBank SERVICE. IN ANY EVENT, ANY LIABILITY OF NSB&T,
ITS EMPLOYEES, AGENTS, CONTENT PROVIDERS AND LICENSORS SHALL NOT EXCEED
THOSE AMOUNTS SPECIFICALLY PROVIDED FOR IN THIS AGREEMENT.

Further, we will not be obligated to honor, in whole or in part, any
transaction or instruction which:

is not in accordance with any term or condition applicable to the
relevant service in this Internet Banking Agreement or your NSB&T
Account Agreement;

we have reason to believe may not have been authorized by you or
any third person whose authorization we believe is necessary, or which
involves funds subject to a hold, dispute, restriction or legal
process we believe prevents their withdrawal;

would violate any applicable provision of any risk control program
of the Federal Reserve or any applicable rule or regulation of any
other federal or state regulatory authority;

is not in accordance with any other requirement of our applicable
policies, procedures or practices; or

we have reasonable cause not to honor for your protection, or
ours.

Your Indemnification

You agree to
indemnify and hold us, our directors, officers, employees and agents
harmless from any and all loss, liability, claims, demands, judgments
and expenses (including attorney’s fees) arising out of, or in any way
connected with, your use or misuse of NSB eBank. This
indemnification is provided without regard to whether our claim for
indemnification is due to the use of NSB eBank by you, or
your authorized representative.

GENERAL PROVISIONS

TerminationUnless otherwise
required by applicable law, NSB&T may terminate this Agreement
and/or your access to NSB eBank, in whole or in part, at
any time. We may terminate or reinstate your access to NSB
eBank, in whole or in part, at our discretion, at any time.
If reinstated, the current terms of this Agreement will control. You may
request reinstatement of NSB eBank by calling Nebraska
State Bank & Trust Co. at 1-308-872-2466.

Assignment

We may assign our rights and
delegate our duties under this Agreement to a company affiliated with us
or to any other party. We may also assign or delegate certain of our
rights and responsibilities under this Agreement to independent
contractors or other third parties.

NOTICESUNLESS OTHERWISE REQUIRED BY
APPLICABLE LAW, IN THE EVENT THAT WE ARE REQUIRED TO PROVIDE A NOTICE OR
OTHER COMMUNICATION TO YOU IN WRITING, THAT NOTICE OR OTHER
COMMUNICATION MAY BE SENT TO YOU ELECTRONICALLY TO YOUR INTERNET ADDRESS
AS REFLECTED IN OUR THEN CURRENT RECORDS.

Disclosure Of Information

The
circumstances under which we will disclose information about you or your
NSB&T Accounts, has been separately disclosed to you in our
Privacy Policy and in other disclosures
which have been provided directly to you. Our Privacy Policy may change
from time to time and is always available on-line and at our banking
locations.

Authorization to Obtain
Information

You agree that we may obtain and review your credit
report from a credit bureau. You also agree that we may obtain
information regarding your Payee accounts in order to facilitate proper
handling and crediting of your payments.

FEES

NSBeBankWith the exception of those fees
mentioned below in connection with NSB ePay, there are
currently no monthly or transaction fees for using NSB
eBank. The Consumer Account Fee Schedule applies to your
Accounts. Other fees may be assessed and billed separately by your
online service provider.